Industry funding
Funding that ramps with the season.
Demand spikes when the weather turns. We help you stock inventory and field the trucks so peak season becomes revenue, not a bottleneck.
The funding challenges HVAC contractors face.
HVAC is intensely seasonal and equipment-heavy — a combination that strains cash exactly when opportunity peaks.
Seasonal demand swings
Summer and winter spikes require inventory and labor you must fund before the revenue lands.
Upfront inventory buys
Stocking units and parts ahead of peak ties up significant cash for weeks.
Service fleet costs
Trucks and diagnostic gear are expensive, and downtime on a vehicle is lost revenue.
Net-terms on installs
Larger commercial installs often bill on terms, delaying payment after the work is done.
Funding solutions for HVAC contractors.
A line covers seasonal inventory and labor; equipment financing keeps your fleet on the road.
HVAC by the numbers.
Common ways HVAC contractors put capital to work
- Pre-stocking units and parts ahead of summer or winter
- Financing or replacing service trucks
- Covering the labor surge during peak season
- Bridging net terms on commercial installation contracts
Testimonial
Every June we'd scramble for cash to stock units before the heat hit. Now we draw on our Meridian line, load up early, and never miss a sale because a part wasn't on the truck.
Owner, Nolan Climate Solutions
Do you qualify?
Most HVAC contractors that meet these baselines can get funded. If you're close, apply anyway — we read the whole business.
- 6+ months in business under current ownership
- $15,000+ in average monthly revenue
- 500+ personal credit score
- A U.S.-based business with an active business bank account
Built for HVAC contractors
Be ready before the rush.
Apply in five minutes and get matched with an advisor who understands seasonal trades.